Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and openWorld, so safety is covered. The description adds value the annotations cannot: 'free, no key' tells the agent no credentials are needed, which is genuine invocation-relevant context. It stops short of rate-limit or pagination behavior, so not a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.